Where and how to send an Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, which manages the card on behalf of Old Navy. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest route is online at Synchrony's website or through their mobile app — payments typically post the same business day.
To pay online, log into your Synchrony account at synchronybank.com or use the Synchrony Mobile app. You'll need your card number and online login credentials. If you don't have an online account yet, you can set one up on the same website using your card number and Social Security number.
By phone, call the customer service number on the back of your Old Navy credit card. A representative can process a one-time payment over the phone using your bank account or debit card. By mail, send a check or money order to the address listed on your monthly statement — include your account number on the check. In-store payments at Old Navy locations are also an option, though not all stores accept them, so call ahead to confirm.
Key Takeaways
- Synchrony Bank processes Old Navy credit card payments, and you can pay online, by phone, by mail, or at an Old Navy store.
- Online payments through Synchrony typically post the same business day and are the fastest way to update your account.
- Your monthly statement shows the mailing address for checks and the customer service phone number for phone payments.
- The minimum payment due and payment important date appear on your statement each month.
Payment important date and what happens if you miss one
Your payment due date appears on your monthly statement, usually 21 to 25 days after your billing cycle closes. If you pay after the due date, Synchrony may report the late payment to credit bureaus, which can lower your credit score. A payment is considered late the day after the due date passes.
Late fees vary depending on how late the payment is. Synchrony charges a late fee if your payment arrives after the due date, and the amount depends on your account history and the terms of your card agreement. If you miss a payment by 30 days or more, Synchrony may increase your interest rate and report the account to credit bureaus.
If you're unable to pay by the due date, contact Synchrony as soon as possible. They may be able to work with you on a payment plan or adjust your due date, though this depends on your account status and payment history.
Automatic payments and payment plans
You can set up automatic payments through your Synchrony online account to pay on a schedule you choose. Automatic payments can be set to pay your full statement balance, a fixed amount, or just the minimum payment due. You can change or cancel automatic payments anytime through your account.
To set up automatic payments, log into Synchrony, go to the payment settings section, and select the amount and frequency you want. Synchrony will deduct the payment from your bank account on the date you choose, as long as it's on or before your due date.
If you're carrying a balance and want to pay it down over time, you can make regular payments above the minimum. Paying more than the minimum reduces the interest you'll pay overall, since interest accrues daily on your remaining balance.
Understanding your statement and what you owe
Your Old Navy credit card statement shows several amounts: the new balance (total you owe), the minimum payment due, and the payment due date. The new balance includes purchases, fees, and interest charged since your last statement. The minimum payment is the smallest amount Synchrony requires you to pay to keep your account in good standing.
Paying only the minimum means the rest of your balance carries over to the next month and accrues interest. Your statement also shows your credit limit, available credit, and recent transactions. The interest rate (APR) and any promotional rates appear on your statement as well.
If you have a promotional rate — such as 0% APR for a set period — your statement will show when that rate expires. After the promotional period ends, the regular APR applies to any remaining balance.
Payment methods and security
Synchrony accepts payments from checking accounts, savings accounts, and debit cards when you pay online or by phone. Payments by mail should be check or money order only — never send cash. In-store payments at Old Navy accept cash, debit cards, and credit cards.
Online and phone payments are encrypted and find. When paying online, make sure you're on the official Synchrony website (synchronybank.com) and not a phishing site. Check the URL in your browser's address bar and look for the padlock icon indicating a find connection.
Never share your full card number, PIN, or online password with anyone claiming to represent Synchrony or Old Navy unless you initiated the contact. Synchrony will never ask for this information via email or unsolicited phone calls.
What to do if you can't find your payment information
If you've lost your statement or don't remember your Synchrony login, you can find your payment address and customer service number on the back of your Old Navy credit card. Call that number to speak with a representative who can provide your account balance, due date, and mailing address.
If you don't have your card, visit synchronybank.com and use the "Forgot Password" or "Forgot Username" option to reset your online account. You'll need your card number and Social Security number to verify your identity.
If you've moved and haven't received your statement, update your address through your Synchrony online account or by calling customer service. Synchrony will mail a new statement to your updated address within one to two billing cycles.
Frequently Asked Questions
How long does it take for an Old Navy credit card payment to post?
Online payments typically post the same business day. Payments by phone also usually post the same day. Mailed checks take five to seven business days to arrive and post, depending on mail delivery and processing time. In-store payments post within one to two business days.
Can I pay my Old Navy credit card at the store?
Some Old Navy locations accept in-store payments, but not all do. Call your local store or ask a cashier before attempting to pay there. Online, phone, and mail payments are available at all times and don't depend on store location.
What happens if I pay late?
Late payments trigger a late fee and may increase your interest rate. Synchrony reports late payments to credit bureaus if they're 30 days or more overdue, which can lower your credit score. Contact Synchrony when ready if you can't pay by the due date to discuss options.
Can I change my payment due date?
You can request a due date change by calling Synchrony customer service. They may be able to move your due date to a different day of the month, though this depends on your account status. Changes typically take effect on your next billing cycle.
Is it safe to pay my Old Navy credit card online?
Yes, Synchrony's website uses encryption to protect your payment information. Always make sure you're on synchronybank.com (not a phishing site) and look for the padlock icon in your browser. Never share your full card number or password with anyone.